Still interested? Good. Here’s how you can apply.

You'll be taken to PayPal Credit's application page. The application should take around 10 minutes to complete.

Once approved, you'll be redirected to soak.com to complete your purchase.

Representative Example

The example below highlights the interest you will pay, if your balance isn't paid off within the 0% interest free period.

Representative

19.9% APR (variable)

Purchase interest rate

19.9% p.a. (variable)

Assumed Credit limit

£1,200

This example above illustrates the typical cost of using PayPal Credit as a standard funding method. If you take advantage of our offers and promotions, including our 0% for 4 months offer, the interest rate that applies will be lower in many circumstances. Credit is subject to application and status

FAQ

Do I need to have a PayPal account?

You’ll be directed to the PayPal website, where you’ll need to create a PayPal account and fill out a short application.

Once approved, you’ll be sent back to us to complete your order.

What if I’m unsuccessful when I apply?

Decisions over the success or failure of an application sit entirely with PayPal.

If you’ve been declined, PayPal will email you with information about why your application was unsuccessful. If you were denied credit, you can still use PayPal to check out securely with your bank account, debit, or credit card.

I can’t find PayPal Credit as a payment option

Make sure you have at least £99 worth of goods in your basket.

If the minimum spend of £99 is in your basket and you still have no option for PayPal Credit, give us a call on 0333 004 6333 and we’ll be happy to help.

Can I make a phone order and apply for PayPal Credit?

No. PayPal credit is only available online.

Can I still return the item(s) I bought?

Of course. Just return as normal and we’ll refund the money to your PayPal Credit account.

Once funds are returned to your PayPal Credit account, the credit will be available to you as part of your limit for all your future PayPal Credit purchases, including future instalment offers with us.